Tag Archives: 9) Personal Investment

(Disclosure: Some of the links below may be affiliate links) Investart is a new online Robo-advisor service that lets you invest in Exchange Traded Funds (ETFs) for free! And not only that! They actually let you invest with custom strategies. So, you could use it either as a Robo-advisor or as a broker for ETFs! I only recently discovered this service. But it looks exciting. I even started investing some money myself. So, it is time I review Investart. In this...

Your marginal tax rate is an important metric. But it is also a complex and misunderstood concept. Many beliefs about the marginal tax rates are wrong. So, in this article, I want to clear out as much as possible regarding the subject. By the end, you will know how to estimate your marginal tax rate and what it means. Marginal Tax Rate Let’s start at the beginning: what is a marginal tax rate? Your marginal tax rate is the rate at which new income is taxed. It is...

In 2019, we wrote about how corporate share repurchases, or “stock buybacks,” had accounted for nearly all buying in the market. A year later, that significant support for asset prices has reversed. While markets have certainly been on a tear this year, due to massive amounts of Federal Stimulus, it has been an advance solely on valuation expansion. While the decline in 2020 earnings was no surprise given the pandemic, earnings were already declining in 2019. The...

(Disclosure: Some of the links below may be affiliate links) These days, a lot of shopping is done online. It is so practical to shop for something online. It can save you a lot of time. And it allows you to compare many different websites to get the best deals easily. Shopping online can also save you some money. Of course, online shopping also has its dark side. Since it is convenient to shop online, some people are buying many more things than they should. It is...

(Disclosure: Some of the links below may be affiliate links) I have recently ordered a few more non-fiction books, and I have just finished The Simple Path To Wealth. This book was on my reading list for a very long time. The Simple Path To Wealth, by Jim L. Collins, is about investing simply to amass enough money to reach Financial Independence. The entire focus of the book is to keep investing as simple as possible. And it is something done quite well. In this...

(Disclosure: Some of the links below may be affiliate links) November 2020 is over, and it was another of these 2020 months. Nothing much happened during this month because we could not see many people and several things were canceled. At least, we are both healthy. And this was the last month before we move to the new house. We are really looking forward to that. This will keep us occupied! And this will keep our mind off this boring virus. We still had to buy...

I have recently read a recommendation to invest only once a quarter instead of more frequently. I think investing every quarter is bad advice and I want to explain why in this article. As I have a lot of data on my hands, I figured the best way to provide it would be to run simulations. And so I did! In this article, I will show you why you should invest every month and not less frequently than that. Investing Every Month Every month, as soon as I am done paying my...

I just finished reading Free by 40 in Switzerland, a book about financial independence, in Switzerland, by fellow blogger Mr. Mustachian Post, alias Marc Pittet. Mr. MP was kind enough to send me a version that I could review before the release date. So I can have this review ready now that the book is available! Free by 40 in Switzerland will go over how to retire by the age of 40 in Switzerland. It covers how to reduce your expenses, increase your income, and...

(Disclosure: Some of the links below may be affiliate links) During your financial life, you will go through several stages of wealth. Maybe you have already crossed several of them, or maybe you are at the first stage of wealth. Regardless of where you are, it is important to know what is ahead and prepare for your future stages of wealth. There are many things you can do to prepare your future financial stages. In this article, I will talk about the 4 main stages...

(Disclosure: Some of the links below may be affiliate links) A credit card is a powerful personal finance tool. But it is only a good tool if used correctly. And unfortunately, many people are not using credit cards correctly. The first important thing is to choose a card with no annual fee. You should focus on that first. Contrary to what credit card companies want you to believe, it is often better to get a credit card with no fee and smaller cashback than an...